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Insurance Close to Home
Whether you’re a homeowner near Jackson Road or a renter in a new Pharr apartment community, SafeGuard Insurance Agency is here to help you secure reliable, affordable insurance that fits your life.
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What Does Homeowners Insurance Cover?
A homeowners policy protects more than just your house—it protects your financial future.
Homeowners insurance is a package policy that protects both your home and your personal liability. It covers damage to your property and injuries or damage you or your family—pets included—may cause to others.
Most disasters are covered, but floods, earthquakes, and damage from poor maintenance are not. Flood and earthquake protection must be purchased separately, and homeowners are responsible for routine upkeep.
Homeowners Insurance Policy Cover
Here’s what a standard policy typically includes:
Structure of Your Home (Dwelling Coverage)
Covers repairs or rebuilding costs if your home is damaged by fire, hail, lightning, windstorms, or other covered events. Floods and earthquakes require separate policies.
Personal Belongings
Covers furniture, electronics, clothing, sports equipment, and more if damaged or stolen. Most policies insure personal items at 50%–70% of your home’s dwelling coverage.
Liability
Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property. This can also include accidents caused by your pets.
Additional Living Expenses (ALE)
If a fire or other disaster forces you from your home, ALE helps pay for temporary costs like hotels, meals, and other necessary expenses.
FAQs: Property & Homeowners Insurance in Pharr, TX
Learn about insurance, exploring the answers to common questions:
- Can I compare quotes easily?
Yes! SafeGuard does the work for you. We gather the best offers from multiple carriers so you can compare coverage and pricing side-by-side—no more calling multiple companies.
- Should I look at more than just price?
Absolutely. Cheapest isn’t always best. We help you understand coverage details so you get real protection, not just a low premium.
- Does homeowners insurance cover valuables?
Most policies cover belongings, but high-value items—jewelry, collectibles, luxury electronics—may need extra protection. We can add coverage so everything important is fully insured.
- When should I increase my homeowners coverage?
Your policy coverage amount will depend upon your home, location, and other factors (e.g. pets, safety features, etc.). If anything about your home or living circumstances changes, you should let your agent know. In particular, alert your agent when you move, complete improvements, and conduct renovations and additions to your home. An annual review of your policy with your agent can make it more likely that you always have the right coverage for your needs.
- What about an inventory of my belongings?
An inventory of your belongings is not necessary to get homeowners’ insurance in Texas. However, it can be useful to have such a list stored in a secure location if you ever need to file a claim.
- When should I update my coverage?
Any time your life changes:
✔ Home renovations
✔ Moving to a new home
✔ Marriage or divorce
✔ Starting a home business
✔ Purchasing high-value items
✔ Adding safety features (which may qualify for discounts) - Weigh the benefits and discounts
With multiple competitive quotes to choose from, you can easily compare the benefits, discounts, and prices of each to find the very best deal. Our team uses our established relationships with carriers to get you the lowest rates and the most favorable discounts. All you have to do is consider your options to find the perfect insurance solution for you.
- Will my home insurance cover my home business?
Usually not. Home-based businesses may require a business owner’s policy (BOP). We can help you add the right protection.
- Are discounts available?
Alarm systems
Fire protection devices
Smart home safety features
Bundled auto + home policies
Ask us to check which discounts you qualify for.
Best Insurance Reviews
Whether you’re protecting your first home, upgrading coverage, or reviewing your policy, SafeGuard Insurance Agency is committed to keeping your family secure with the right insurance at the right price.
Why Choose SafeGuard Insurance Agency in Pharr, TX?
Whether you’re protecting your first home, upgrading coverage, or reviewing your policy, SafeGuard Insurance Agency is committed to keeping your family secure with the right insurance at the right price.
- Independent agency with access to 120+ carriers
- Local Pharr expertise and dedicated customer service
- Personalized recommendations tailored to your lifestyle
- Full-service insurance options including auto, home, life, business, and transportation
- A professional team that works for you—not the insurance companies
